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  > Top 250 hot topics on bankruptcyhelp.org.uk forum
Top 250 Hot topics from the Bankruptcy Forum - BankruptcyHelp.org.uk
Active Topics on Bankruptcy Forum - BankruptcyHelp.org.uk
Someone doing credit check using my address (by: Niobe) 6 5890
Not sure? (by: Niobe) 1 3029
I thought it was all over, but . . . (by: Niobe) 4 2682
Setting cash aside for bankruptcy process (by: Lisa Thomas) 5 2321
I was made bankrupt in 1991 and discharged in 1994 (by: Lisa Thomas) 3 2655
When a house is part of the asset for a debt, is it possible to sell before a forced sale ? (by: Lisa Thomas) 3 2350
I received lots of help on this site and have a friend who could use some advice (by: Lisa Thomas) 3 2118
I want to know more about bankruptcy. I just need a clean slate (by: Lisa Thomas) 3 2269
6 years nearly over (by: Niobe) 6 2682
Reposession after BR (by: Lisa Thomas) 5 2173
My husband had a debt for fraudulent misrepresentation (by: Lisa Thomas) 3 2178
Tax refund after discharge (by: Lisa Thomas) 3 2005
Would we be entitled to this refund ? (by: Lisa Thomas) 3 2124
Nearly Free (by: Lisa Thomas) 3 1631
What happens in bankruptcy to the extra income if I start working ? (by: Lisa Thomas) 3 1834
We declared bankruptcy November 2010. When will it drop off our credit reports ? (by: Lisa Thomas) 12 2032
Does discharge happen automatically after 12 months with no IPO ? (by: Lisa Thomas) 7 2202
Too many cases of bankruptcy to issue written confirmation of decision ? (by: Lisa Thomas) 5 1869
Left with house and debts I dont know what to do about tax bill. Grateful for any advice. (by: Niobe) 5 1496
Bankruptcy & car help (by: Niobe) 4 1279
My partner is a bankrupt. What happens to my half of property value if we are forced to vacate it ? (by: Lisa Thomas) 10 1546
Thinking of moving to Indonesia (by: Lisa Thomas) 3 1152
Callcare Test (by: Niobe) 3 1316
Can anything be done to remove me from the liability of a BTL mortgage ? (by: Lisa Thomas) 13 1547
After years of dreaming of being debt free I would go bankrupt but for beneficial interest (by: Niobe) 4 1365
Hi, Im looking for a bit more help please. (by: Niobe) 10 1580
Help needed. Made bankrupt 2013. (by: Lisa Thomas) 3 1428
Today received a letter threatening to publish my bankruptcy unless I pay them some money. (by: Niobe) 9 5503
Lisa Thomas (by: Niobe) 1 1070
If i have to declare myself bankrupt but cant afford the fees what do I do ? (by: Lisa Thomas) 4 1915
Hello, my husband and I have been in a DMP. It has been suggested that he goes bankrupt. (by: Lisa Thomas) 6 1243
I have 8 months left of my IPO. (by: Viki.W) 3 1622
Hi, I was declared bankrupt last October and have been told to leave my rented property (by: Viki.W) 6 1785
My new partner is going BR after her house was Repod (by: Viki.W) 10 5844
I live in rented accommodation. Will bankruptcy affect this ? (by: pcoventry2) 4 5350
Can you explain what this means ? (by: Niobe) 9 1988
Would it be possible to go bankrupt and still remain in the Philippines ? (by: Viki.W) 3 1308
Making An Offer To Trustee For Bankrupts Equity (by: Viki.W) 3 1133
How quickly are credit files updated once an amendment has been made ? (by: Niobe) 2 1169
Bankruptcy changes from April 2016 (by: pcoventry2) 9 6107
Hello I am new to this forum, I have a few questions (by: Viki.W) 5 4759
I was declared bankrupt over 6 years ago due to the property crash (by: Viki.W) 3 1190
HelloI owe the banks and Im on job seekers allowance. (by: Viki.W) 3 1218
When and how can I remove defaulted amounts from my credit file ? (by: Viki.W) 13 2446
What is classed as acceptable expenditure ? Does it include counselling and child care ? I (by: Niobe) 4 1207
I have a joint mortgage with my partner will we be forced to sell our home ? (by: Viki.W) 3 1110
If my house is revalued into positive equity does the OR have a time scale to repossess it ? (by: Viki.W) 3 1109
Is it allowed for IP to serve me with bankruptcy papers via email ? (by: Viki.W) 3 1025
If I declare bankruptcy will future wages go to creditors ? (by: Viki.W) 3 1233
How can I correct defaults ? (by: Niobe) 13 1572
Can household be blacklisted by stranger ? (by: Viki.W) 3 1033
Hi there, what percentage of surplus income is the OR likely to take ? (by: Viki.W) 3 1238
I can not afford to pay for bankruptcy what do I do ? (by: Niobe) 3 1103
Bankruptcy expired, not on the insolvency register but defaults showing on credit file (by: Niobe) 3 991
Im unsure if bankruptcy is the right decision for me (by: Viki.W) 3 1050
Questions about clearing a charging order. A car loan was secured against my house (by: Viki.W) 5 1078
Money I was left in a will is being claimed by the OR. So many conflicting views on this. (by: Viki.W) 3 1074
I have become the registered keeper for the car owned by my father. (by: Viki.W) 3 1126
Will this car be outside the bankruptcy exempt ? (by: Viki.W) 3 1156
Happy New Year (by: Niobe) 3 3887
For Viki (by: Niobe) 4 1137
I have just received an attachment of earnings order. What do you suggest ? (by: Viki.W) 3 1209
Viki is now an Approved Intermediary (by: Viki.W) 4 1658
Im going through bankruptcy at the moment (by: Viki.W) 3 1509
Can a creditor have a claim on my assets after bankruptcy discharge in 1999 ? (by: Viki.W) 3 1405
I have today received a B10 Notice. Is there anything I can do to prevent losing my house ? (by: Viki.W) 6 1618
I forgot about a bankruptcy order against me. (by: Niobe) 11 1490
Hi, I am looking for some help. (by: Niobe) 12 1548
Declared bankruptcy May, 2004. Discharged Oct 2004. Do I have to pay PPI to court ? (by: Niobe) 4 1252
I work for a health care provider, will they be made aware of my bankruptcy ? (by: Niobe) 2 1183
I have a problem I cant resolve without some help (by: Niobe) 4 1122
Im not able to pay my upcoming tax. What are my options ? (by: Viki.W) 8 1438
Hi how can I as a third party purchase an asset of a bankrupt ? (by: Viki.W) 3 1067
BR advice needed (by: Viki.W) 10 1299
Would bankruptcy clear my tax bill? (by: Niobe) 7 1619
Hi, My sons business is failing and a supplier is likely to make him bankrupt. (by: Niobe) 3 1003
Hi, I will soon be at that point where my bankruptcy will be removed from credit report (by: Niobe) 7 1468
Will PPI claim reopen bankruptcy discharged in 2010 ? (by: Viki.W) 6 1206
credit report (by: Niobe) 5 1424
I want to make an offer to buy out my bankrupt husbands equity share in our home (by: Niobe) 3 1204
Will I be able to keep childrens maintenance costs ? (by: Viki.W) 3 1378
Hi, I am very close to petitioning for bankruptcy but could do with some advice (by: Niobe) 9 1891
Can I file for bankruptcy ? (by: Viki.W) 4 1378
Accounts still open (by: Niobe) 7 1233
I have been currently unemployed and with no fixed address. (by: Viki.W) 3 4127
Nothing was settled about house in boyfriend boyfriends divorce. Ex wife considering bankruptcy. (by: Viki.W) 7 1318
Very stressed after divorce and not seeing my child. Starving because Ive no money. (by: Niobe) 3 1142
All of my pension is being taken retrospectively. Is there any chance of fighting this ? (by: Viki.W) 2 1184
Why was I discriminated against ? (by: Niobe) 3 1330
I am considering bankruptcy (can no longer afford payments to IVA) (by: Viki.W) 2 1120
Are we able to clear our bankruptcy ( 6 years ago) from our credit file straight away ? (by: Niobe) 2 1220
My wife was forced into bankruptcy in 2009 (by: Niobe) 4 1102
I still have a year left to pay IPA. (by: Viki.W) 10 1425
Worried that creditors will add a note of correction when I ask them to change default date. (by: Niobe) 2 4011
3 years on after discharge (by: Niobe) 5 1378
notice of intention to stay enforcement (by: Susiet) 3 1229
Hi, not sure if bankruptcy would work for me ? (by: Niobe) 3 1116
Can hardly believe it has been over 6 years since I first found this site. (by: scatcat) 9 1215
Can someone whose house has been repossessed be made bankrupt in their absence ? (by: Marie.t) 6 1057
My aunty left me a legacy two mouths before I was discharged and it has been taken. (by: Viki.W) 3 1103
Worrying letter received about who provided deposit for my bankruptcy 6 years ago (by: Viki.W) 7 1263
Ive been made insolvent, my bank is closing my account. What can I do now ? (by: Niobe) 5 4350
Hi, I am new to this forum, Am I right about prohibition on suing a bankrupt ? (by: Viki.W) 3 3995
Can my mother, who is in a nursing home with Altziemers, declare herself bankrupt ? (by: Blackie) 4 1232
We have 2 disabled children. Would we lose our house if we declare bankruptcy ? (by: Viki.W) 3 1224
We have just been issued with a bankruptcy order. My husband works in Europe. (by: Viki.W) 3 1100
I am in the process of applying for bankruptcy (by: Viki.W) 3 1178
BR seems the only option (by: Viki.W) 3 1051
I am going bankrupt as a sole trader. Can I give a person the maintenance contracts ? (by: Niobe) 3 1036
Please help, I cant afford a solicitor to remove bankruptcy notices and restrictions from title. (by: Niobe) 2 1172
HMRC query (by: Viki.W) 3 1045
Hi do you have to use a solicitor when transferring property back to myself ? (by: Viki.W) 3 1020
Credit file after discharge (by: Niobe) 3 1036
My Bankruptcy 3 year period ends this December, wil I get my land registry back ? (by: Niobe) 8 1227
Is there anyway I can get help with going bankrupt ? (by: Niobe) 3 1203
I will be going bankrupt every year until my lease ends if this is correct ! Any help appreciated. (by: Viki.W) 2 1225
CCJs and council tax? (by: Niobe) 33 3688
Discharged from bankruptcy 2013. It transpires that a second loan is still on the house (by: Viki.W) 3 1248
Can I tell insolvency that I want to hand over my house ? (by: pcoventry2) 4 4240
I have a property abroad that I cannot sell. (by: Viki.W) 3 1228
I am British. I am thinking of UK Bankruptcy for UK debt. Last 2 years working in Ireland. (by: Blackie) 3 1201
How far will the official look back at bank statements ? (by: Blackie) 3 1366
It seems very scary to go bankrupt and we have no real idea of how it will affect us. (by: Viki.W) 3 1221
I am declaring bankruptcy. Will payments to parents for board be allowed as expenditure ? (by: Blackie) 4 1404
I am currently thinking of Bankruptcy. (by: Niobe) 9 1551
6 years on (by: Viki.W) 3 1353
DRO Levels to increase (by: Blackie) 4 1299
Are congestion charge fines covered under bankruptcy ? (by: Niobe) 19 2237
bankruptcy after seperation (by: Viki.W) 8 1145
How long does it take to annul bankruptcy through the court ? Do I need a solicitor ? (by: Viki.W) 5 1252
Is there any way I can avoid bankruptcy ? (by: Niobe) 8 1265
Merry Christmas and Happy New Year (by: Viki.W) 2 4000
I am being made bankrupt for council tax. Can I ask for a charge on my property instead ? (by: Viki.W) 2 1104
My husband went bankrupt in march 2012. Can they force the sale of our house ? (by: Viki.W) 2 1219
After the court hearing, how long do I have before my house is repossessed ? (by: Niobe) 12 1394
I was made bankrupt 121212 , can I sell my share of my portfolio to my son ? (by: Viki.W) 2 1032
Will any holds made on my Land registry regarding my property bee moved after 3 years ? (by: Viki.W) 2 1033
How long do I have to wait before I can sell my property without paying off creditors ? (by: Viki.W) 3 1041
I thought bankruptcy lasted 3 years and not a lifetime. (by: Viki.W) 3 1173
I am going insolvent. We have a joint loan. Can the house my wife owns be repossessed ? (by: Viki.W) 3 1014
I donthe think I can get the funds to go bankrupt. what can I do ? (by: Niobe) 5 1182
Could bankruptcy be a better option ? (by: Viki.W) 3 1154
2 years after going bankrupt (by: pcoventry2) 4 4239
Wondering how much time I have to find a property to rent after repossession hearing ? (by: Niobe) 5 1110
I need to get advice on buying the trustees interest in my home (by: Viki.W) 2 1123
hi all . I am close to bankruptcy and I have a couple of questions. (by: james1102) 5 1324
Will I have to declare my mobile phone contract to the OF ? (by: Viki.W) 4 1210
debt not included in bankruptcy. (by: Viki.W) 14 1525
hi all myself and my wife are thinking of going bankrupt fairly soon. (by: Viki.W) 3 1262
Car (by: Viki.W) 2 1191
I am about to go bankrupt. Why is solicitor wanting legal aid to put a charge on house ? (by: Viki.W) 4 1412
personal pension (by: Niobe) 19 2031
Will my partner be affected if I go bankrupt? (by: Viki.W) 5 1298
Can you have a joint bankruptcy with your wife ? (by: pcoventry2) 6 4177
BR or CCJ on credit file? (by: pcoventry2) 20 5924
Just done a Experian Check. (by: pcoventry2) 10 4318
Mine field correcting credit file (by: pcoventry2) 35 6249
Credit card (by: pcoventry2) 38 8839
Hi all, its a long time since I have been on here (by: pcoventry2) 11 4244
Should I get a market property valuation or a forced sale valuation (by: Niobe) 7 1315
My house had been for sale for a year. I havent heard from a trustee. What happens now ? (by: pcoventry2) 4 4083
My wife does not wish to show OR personal details as we are not getting on too well. (by: Viki.W) 7 1373
Hello, I now live in Dubai. Am I able to declare bankruptcy ? (by: debtinfo) 4 1207
Will I be allowed to keep co op cash minder account in bankruptcy ? (by: Skippy) 8 1272
Director? (by: Niobe) 12 1330
I am looking to get help with my debts and wonder if bankruptcy is an option ? (by: pcoventry2) 6 4248
Made bankrupt May 2010, early release September 2010. Am I clear of all bankruptcy restrictions ? (by: Niobe) 3 1108
Ppi (by: debtinfo) 5 1167
I have a lot of pay day loans and recently lost my job and still living at my parents (by: Viki.W) 3 1207
my ex going bankrupt (by: dawnlougib) 40 2914
We dont have the initial fee to pay for bankruptcy. (by: Niobe) 10 1590
I have no way of finding the fees to go bankrupt (by: pcoventry2) 3 3991
Will the OR consider my repayment for loans from family favouritism to creditors ? (by: Viki.W) 2 1124
Would computers essential to my work be taken from me ? (by: Viki.W) 3 1163
Would we lose our car ? (by: Viki.W) 3 1207
All help appreciated to sort out what I am up against claim for share of interest (by: Blackie) 3 1475
Now being hounded by a creditor after discharge from bankruptcy (by: pcoventry2) 5 4514
Hi, I was made bankrupt in May2012. What is involved in the lead up to discharge ? (by: pcoventry2) 123 16869
Had 8 years of constant struggle I really need some help. Im scared and feel worthless (by: Niobe) 15 1524
Can I claim PPI on a card post bankruptcy ? (by: Niobe) 3 4096
Paying well in excess the amount I was made bankrupt for ? (by: debtinfo) 3 1169
Hello,I am considering bankruptcy due to debts from a previous business (by: Viki.W) 3 1141
After discharge from bankruptcy we are splitting up. Would we be liable for any shortfall ? (by: Niobe) 4 1153
I have been to court and am now bankrupt, (by: Skippy) 19 3203
How does the OR value property ? (by: Viki.W) 2 1133
What would qualify you to become bankrupt ? (by: Blackie) 4 1613
Can I declare bankruptcy while employed ? (by: Blackie) 3 1645
I was discharged 2010. What do I do about a creditor who contacted me ? (by: Viki.W) 5 1225
Sorting out your Credit files after the 6 years! (by: Niobe) 7 1438
How much will I need to pay to declare myself bankrupt ? (by: debtinfo) 10 1352
Well this is unbelievable but true! (by: Niobe) 15 1864
Hi I dont know if I should go down the bankruptcy route (by: Niobe) 16 1451
A word of Warning to all! (by: pcoventry2) 6 4441
DRO criteria (by: Andy Davie) 4 1271
Since discharge in 1997 trustees have been drawing down my pension. (by: Niobe) 2 1132
A bit of an odd one Any Ideas??? (by: Niobe) 24 3647
Mortgage after Bankruptcy (by: Niobe) 2 1105
I declared bankruptcy in 2008. Just had a letter from company who bought a debt . (by: onthewagon) 4 1274
Should I cut my losses and apply for bankruptcy in the UK ? (by: Viki.W) 3 1083
We were declared bankrupt in 1994. Can we receive money from endowment policy ? (by: Niobe) 8 1143
Advice please (by: Niobe) 2 1065
If I declare bankruptcy will I be able to have a bank account ? (by: Niobe) 14 1662
Dont know what to do or who to turn to for help closing business due to poor health (by: Blackie) 4 1021
After the 6 Year point (by: Niobe) 25 2519
guarantor (by: Viki.W) 3 1090
Can bankruptcy erase a debt to former wife ? (by: Viki.W) 3 1165
How long on my credit file ? (by: Viki.W) 3 1085
if you own your house out right (by: Niobe) 3 1068
Hi am currently in Thailand and wish to declare Bankruptcy. (by: Viki.W) 4 1130
Can you apply for bankruptcy once a creditor has applied for court proceedings ? (by: Niobe) 6 1321
Can I declare myself bankrupt if I work but my ear (by: Viki.W) 3 1187
Just say Hi ! :) (by: Niobe) 8 1251
What happens to buy to let properties in negative equity in bankruptcy ? (by: Viki.W) 2 1199
Do I need to declare all of my debt? Can I still have a mobile phone contract ? (by: Viki.W) 4 1178
What is the cost of declaring bankruptcy, i am claiming benefits (by: Blackie) 6 1445
What is the cost of declaring bankruptcy, i am cla (by: Viki.W) 4 1186
I and my ex partner owe about £4500 pounds to a power company. (by: Viki.W) 3 1086
Am I able to take out a pay day loan ....I have no money whatsoever to live on (by: Niobe) 3 1129
Bankruptcy and Addresses (by: pcoventry2) 5 4046
How is my house affected by bankruptcy? (by: Niobe) 3 1136
The past 15 years I have been struggling with crippling debt (by: Niobe) 3 1117
Hi Viki, you have helped me with responses in the past for which I am very grateful (by: Will5430) 4 1105
Hello,I need some help, I am currently filing for bankruptcy (by: Viki.W) 2 1066
Can I be declared insolvent even if I can pay the money owed ? (by: Blackie) 4 1120
A client has buy to let debts and is thinking of going bankrupt. (by: Blackie) 5 1062
I was made bankrupt in march 08. Will my only delinquent account disappear in June ? (by: Viki.W) 3 1178
I am a single mum and currently pregnant. (by: Viki.W) 5 1117
Hi,My husband and I are filing for Bankruptcy (by: Niobe) 5 1097
defaults still showing after discharge (by: Viki.W) 3 1001
Should I contact OR and inform him of payment demand post bankruptcy ? (by: Viki.W) 3 1113
If I cant have a bank account, how will clients pay me as they are not happy to pay individuals ? (by: Niobe) 5 1245
End of IPA (by: Niobe) 4 1941
Do the same criteria for individual bankruptcy apply for an insolvent estate ? (by: Niobe) 2 1014
As self employed I would need a bank account to receive payments from clients. (by: Niobe) 2 1100
I want to help my mum. She is disabled, up to her eyes in debt, crying everyday all day. (by: Niobe) 7 1122
Student Bankrupcy (by: Viki.W) 4 1056
I have been served a petition for sequestration by a Scottish Court which I dispute. (by: Niobe) 2 1094
I was declared bankrupt in March 2008. Will it fall off my credit history in March 2014 ? (by: Niobe) 11 1181
Update # 3 (by: Tifosi1) 4 1131
If I declare bankruptcy will my house be taken off me ? (by: Niobe) 7 1272
Will it be best to go bankrupt ? (by: Niobe) 5 1668
Howdo the bailiffs know what stuff belongs to who? (by: Niobe) 4 2096
Update :) (by: Viki.W) 3 1034
Credit Rating (by: Niobe) 2 1068
Moving On (by: Niobe) 2 1884
Need advice re: mortgage after bankruptcy. (by: Tifosi1) 3 978
Mortgage after BR (by: Niobe) 3 1052
Mortgage after BR (by: Niobe) 4 1078
Important update (by: Blackie) 4 1143
Hallo ? (by: Blackie) 3 1107

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